Why college is the best time to start
- Your credit age starts counting from your first card.
- By graduation you can have 3 to 4 years of good history.
- That helps with your first loan, a rented flat or a regular credit card later.
What students use it for
- Online courses, exam fees and books
- Subscriptions and software for projects
- Travel bookings home during holidays
- A backup for emergencies, paid back on time
How to keep it under control
Set a monthly budget, keep spending under 30% of the limit and pay the full bill on time. Our CIBIL plan for students explains why each step matters.
How to apply
Enter your name and mobile in the form, complete registration with PAN and Aadhaar, and open a ₹2,000 FD. See the eligibility list.
Frequently asked questions
Can a college student get a credit card without income?
Yes. A card against a ₹2,000 fixed deposit needs no income.
Is it better than using my parents' card?
For building your own score, yes. Your own card creates a credit history in your name.
Can I use it for online courses and subscriptions?
Yes. It works like any credit card for online payments.